1These rates may change at any time without prior notice2Interest Rate of 0.010% will be paid for the portion of your average daily collected balance that is $9,999.99 or less.Interest Rate of 0.025% will be paid for the portion of your average daily collected balance that ranges from $10,000 to $49,999.99Interest Rate of 0.050% will be paid for the portion of your average daily collected balance that ranges from $50,000 to $99,999.99Interest Rate of 0.075% will be paid for the portion of your average daily collected balance that ranges from $100,000 or over.3Interest Rate of 0.05% will be paid for the portion of your average daily collected balance that is $9,999.99 or lessInterest Rate of 0.10% will be paid for the portion of your average daily collected balance that ranges from $10,000 to $49,999.99Interest Rate of 0.15% will be paid for the portion of your average daily collected balance that ranges from $50,000 or over.4Annual Percentage Yield of .15% based on balances of $1,000,000. Yield increases on balances in excess of $1,000,0005Minimum opening balance is $1000.00

INTEREST

The interest will be paid until the maturity date of the certificate

Interest will be compounded and credited quarterly to the account. If the term is for less than three months, interest will be credited at maturity

Interest begins to accrue on the date of deposit.

We use the daily balance method to calculate interest. This method applies a daily periodic rate to the principal in the account each day.

Withdrawal of interest prior to the maturity date may reduce earnings. The annual percentage yield assumes that interest will remain on deposit until maturity.

CERTIFICATE OF DEPOSIT INTEREST TYPE

Fixed Rate: The interest rate will be paid until the maturity date of the certificate.

RENEWAL

Automatically Renewable: The Certificate of Deposit will automatically renew on each succeeding maturity date. Each renewal term will be the same as the original term, beginning on the maturity date at the current rate of interest, unless the certificate terms are amended by the customer within 10 calendar days after the maturity date if it has a term of more than 14 days, and 1 calendar day if it has a term of 14 days. We will not automatically renew the certificate and no interest will accrue after maturity, (1) If you tell us not to do so, in writing on or before the next maturity date, or (2) if you present this certificate to us for payment within 10 calendar days after the maturity date if it has a term of more than 14 days, and 1 calendar day if it has a term of 14 days, or (3) if notified by us 5 days before the next maturity date.

WITHDRAWALS AND DEPOSITS

Minimum deposit for a Certificate of Deposit is $1000.00

After this account is opened, deposits and withdrawals are not permitted until the maturity date

Interest begins to accrue on the date of deposit.

If the account is closed before accrued interest is credited, the accrued interest will be forfeited..

If any of the deposit is withdrawn before the maturity date, the following penalties will be imposed:

FOR TERMS OF 14 DAYS UP TO AND INCLUDING 90 DAYS:

The penalty will be one (1) month of interest on the amount withdrawn.

FOR TERMS OF 91 DAYS UP TO AND INCLUDING ONE YEAR:

The penalty will be three (3) months of interest on the amount withdrawn.

FOR TERMS OF GREATER THAN ONE YEAR:

The penalty will be six (6) months of interest on the amount withdrawn.